THE INSTITUTION'S SCORE
When it comes to measuring an institution's financial stability, capital is essential. It acts as a bulwark against losses and provides protection for members when a credit union is struggling financially. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, THE ONE received a score of 8 out of a possible 30 points, less than the national average of 15.65.
THE ONE appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 8.00 percent in our test, lower than the average for all credit unions.